Chase Sapphire Preferred® Card

The following table shows the features, rates, and other key data for the Chase Sapphire Preferred® Card offer in Chase offers. These terms are updated on a daily basis by the CreditCards.org database. If you wish to apply for the card, you may do so securely on its official website by clicking the Apply Now button below:
Chase Sapphire Preferred® Card Apply Now
  • Earn 40,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $500 in travel when you redeem through Chase Ultimate Rewards®
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
  • No foreign transaction fees, plus chip-enabled for enhanced security and wider acceptance
  • 1:1 point transfer to leading frequent travel programs at full value – that means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points
  • Premium Travel and Purchase Protection Benefits, including Trip Cancellation/Trip Interruption Insurance, Auto Rental Collision Damage Waiver, Purchase Protection and more
  • 24/7 direct access to dedicated customer service specialists
  • Introductory Annual Fee of $0 the first year, then $95
734
average
647
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
N/A N/A 15.99%* Variable $0 the first year, then $95* Excellent Credit*
Intro APR Purchases N/A*
Intro APR Balance Transfer N/A*
Regular APR 15.99% Variable*
Annual Fee $0 the first year, then $95*
Credit Needed Excellent Credit*

Credit Score Needed

Chase Sapphire Preferred® Card is generally for people with Excellent Credit, though other factors besides credit score can also determine whether a particular application is accepted. See more Chase offers.

Most Helpful User Review

Commented at Aug 23, 2013

Don't be discouraged if your credit score, history isn't excellent, or you don't have other high limits.  I have a 690 TU Fico and a 680 Equifax FICO, 700 on Credit Karma and they listed my chance of this card as "Poor".  Also, I have 27 lates in my history, including a 90 in 2007, and a 60 in 2009 on my car loan.  Only two of those 30 day lates are in the last 2.5 years though, and none in 2013.  

To top it off, I had no high limits on my cards.  I had 2 Chase Cards with $250 & $300 limits, a BOA with $500, Capital 1 with $300, and Cap 1 turned me down for a Credit Limit Increase.

Well, I went on Chase site and used their pre-qual tool, and Freedom came up, I applied and was approved for $5,000.  Next day, I decided I wanted to pair with Sapphire Preferred.  I thought for sure declined, but was approved for $6,000.  Only telling you because it is nice to know Chase looks at other factors besides raw score and history, and if you have a similar profile to mine, don't be discouraged from applying.

In my case I had $75K income, up a lot from prior years due to promotion, had paid all my cards down to zero so low Utilization, and had 2 credit cards, a checking, and a savings with Chase for years.  I believe it was my combo of good debt to income & prior relationship with Chase that allowed me to be approved despite having a relatively low score.

So, don't be discouraged if Credit Karma tells you "poor".  And use Chase Pre-Qual, someone had told me if an offer pops up for you, there's a very good chance of approval.

Review by supervelous

User Reviews

Average Rating: 9.4 out of 10 based on 354 user ratings.
Commented at Apr 13, 2015

Easy app process. Talked to a rep without any promps. One minute approval time. Recieved  my card in six days. It is actually a metal card. Most importantly spend four thousand in three months and recieve fourty thousand points equal to five hundred dollars in travel. Ninety five dollar AF after first year (no problem). My best card. 

Review by Atlantic51
Commented at Apr 12, 2015

I had a 710 TU score when I applied with a couple recent 30 day lates on my account. My utilization ratio was at 3%. I only had 2 credit cards prior to applying for this one. Each one with a limit of about $1000. The site allows you to include income you use to pay bills, in my case my gf's income. Together it comes out to 125k. I did not get instantly approved as I may have had a flag on my account. I called and verified my identity and then got approved for 11k. After reading the reviews I'd encourage you to call the reconsideration line if you did get denied. Although there is a $95 fee starting the second year, that is only about $8 a month. Considering all the perks it comes with, I'd be happy to set those $8 aside.

One more thing. When you call the line, you speak to a representative right away after a few rings. None of that press 1 or 2 bs. The person on the other line spoke English without an accent and was very polite. 

Review by DaveCapone
Commented at Apr 9, 2015

I just got this card approximately a week ago. I have used it going out to resturants, even fast food places like Dunking Donuts. This card has so many perks that makes it the best card that i carry in my wallet. one of the cons about this card is that you do not get 0 APR for certain months, and you pay a 95$ fee every year. But given all the perks and advantages it gives you, i feel like it makes it up. Best choice i mad was to get this card.

Review by Javicolf
Commented at Apr 8, 2015

Seriously, I love this card. I have a credit score of 750 with $3k in unused credit. I was accepted with a limit of $16k, that was just pumped to $21k without asking. Any time I've had an issue I call the number and and an english person speaking person picks up right away. And LOVE the points!

Review by AllieLibs
Commented at Apr 6, 2015

Like most, I got a letter in the mail telling me why I got denied. WIth a 660 credit score, I did some research online and came across calling the reconsideration line. So I did....and its the best thing I could of done. I called and asked why I got denied, and they tell you in depth why. I asked them could they reconsider me. The lady who was helping me with my applaction just went in and asked me a couple of questions regarding to the reason why they denied me before. It took around 15 minutes and just truthful answers like(for example: why did you not pay your student loan from Oct-Nov of 2012, my response, I probably did not have a job at the time). None of my answers she had a problem with and the lady who took care of my applaction was extremely nice(defintely try to get a nice customer service represenative). In a matter of 15 minutes she told me I was approved for a 5,000 credit limit. Never think it is the end when you get denied. Always try to call the reconsideration line. Most of the time they will defintely approve you after just noting down certain responses towards why you got denied in the first place. The card is everything you could hope for so defintely do what you can do get it. You will not regret it.

Review by drethechef

Credit Limit

If approved for the card, the issuer will notify you of the credit limit on your card. Please see the Chase Sapphire Preferred® Card for complete terms, conditions, and details of the offer.

+ This information is provided through a relationship with CreditKarma.com. Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors may affect credit card approval, these approval metrics are only guidelines and approval is not guaranteed.